Research On Liquidity Risk Management Of FZ Agricultural And Commercial Bank In The New Situation

In the context of the new normal economy,with the continuous improvement of financial market reform in China,the financial environment has undergone tremendous changes,and the importance of bank liquidity risk management has become more prominent.For commercial Banks in China,especially in the rural small and medium-sized corporate commercial Banks,strengthen the liquidity risk management,and maintain its reasonable liquidity has become the most important and urgent need to solve the problem.Firstly,this paper starts from the theory of liquidity risk management of commercial Banks and discusses the concept of liquidity and liquidity risk,classical theory and practical technology of commercial Banks.Second through on-site investigation of FZ Rural Commercial Bank and off-site data collection,and relying on the local people's bank and branch related management institutions,such as database,the paper expounds the bank liquidity risk management practices and liquidity risk index carries on the analysis comparison,discover FZ Rural Commercial Bank problems existing in the current liquidity risk management and weak link: incomplete management system,unclear risk appetite,risk identification ability,implementation of risk monitoring means,stress testing,not less;According to the analysis of the results of the survey,the FZ Rural Commercial Bank liquidity risk management mechanism,perfect the risk preference structure and to strengthen the construction of the transmission mechanism,abundant liquidity methods and so on,makes every effort to improve the bank's liquidity risk management status,improve marketing competition power.